The fact is that most people retire on less income than they would like. However, planning for retirement can be complicated by the range of options available:

• Personal Pensions
• Stakeholder Pensions
• Occupational Pensions

Planning for retirement may be started at any time, but it is vitally important to obtain the right advice as early as possible.

Some key factors to consider when saving for retirement are:

• What age do you wish to retire
• How much income do you require
• What effect will inflation have
• Do you need flexibility

Irrespective of your career stage, or existing arrangements, we can provide comprehensive retirement planning advice.

Westhill Financial Services is a trading name of Westhill Insurance Services and is authorised and regulated by the Financial Services Authority and is entered on the FSA register (www.fsa.gov.uk/register/) under reference 145359.